Money come, Money go......Money stay??

Money Money Money........this word is literally taking over my life! Have you wondered why o why it is that when you have no money you spend no money...... but yet as you start to earn money you somehow can NOT seem to keep any of it???!!! Am I just a bad saver or is there something else going on here??! (ok its takes a while to get to my point but keep reading and you will learn how to save money..... i did!)

OK so when it comes to finances I have been there, highs and lows. When I was in university at like.... 18/19/20 I had more money than i knew what to do with.... I mean out of my ears, shopping every other weekend, $100'z worth of shit i can't even find anymore money! *looks up and shakes head* o baby...... those were the good days!

I had enough money to have my own car, apartment, go on holidays annually with ma gurlies and even have enough dosh to GIVE SHIT AWAY!!!! yea....... i was all for buying the rounds.... shame you didn't know me back then! .....Anyways then this bitchass recession came to fruition and started kickin ma ass like it was goin outta fashion!!! (sound familiar?)

First the jobs(i say jobS cos i had two, yes two and lost 2..... yes TWO!)..... bye!.... then the car.....asta-la-vista Baby -G (that was ma cars name!) Nehu the apartment shortly followed and the numerous phone contracts etc etc etc....... the long and short of it is i lost it all! Yea cry me a river........ for real this shit should bring as tear to your eye...... *sniff sniff* (nah, i kid.... im over it now.) Bear wit me im gettin to the lesson.....

Anyways once it was all gone I learnt to live on NOTHING!!! im dead serious.... i found a way to eat without buying a single item from any fast food place or cafe or restaurant.... i had it down to a tea...... i mean i could go to a bar, drink for free and have a hot darn fab nite out!

So I get another job when i moved to NYC a few months ago and although i have more than i did when i had NO INCOME i still can't seem to keep any of it! Anyway here's the lesson......

I think that when we know that we will have money coming in the next week or month, we abuse the money that we have at the moment.... its like "yea i can buy this $20 top that i totally don't need, cos tomorrow i'll have another $20" .... what I and alot of other people seem NOT to realise is money/income is NEVER guaranteed! The only thing that is guaranteed is that you will always need money:

BREAK DOWN:

NO guarantee you will get money
100% guarantee you will NEED money

This is the lesson that i have learnt the hard way. The question that i asked myself was why can't i seem to save money? And the answer that I found was that its all about your frame of mind! When i was broke i thought "I'm broke!" end of..... there was no questions involved!...... NO you can't have the top YOUR BROKE! ....... NO you don't need the food, even if your stomach is cussin your ass OUT LOUD (for the world to hear!) ..... that was that.... NO meant NO!

The thing is i gt a little bit of freedom cos i started gettin a little ass paycheck.... n i mean LITTLE, fink minimum wage....retail...p/t.....ya dig! (its emotional, dont laugh!) Anyway i know im gettin ma little ass paycheck so i fink i can buy a little ass gift.... (you do it too rite?)...... well heres the THING, YOU CAN'T!!!!! ....... WHY? ........ cos your ASS is still BROKE!!!!

You need to tell yourself that every time you go to a mall..... or a fast food place....... why?........ cos having a little ass bit of money...... is worse than having no money at all..... as your under the illusion that you got something when the reality is...... you can not affordit! You can NOT afford to buy anything that you couldn't buy FIVE TIMES over without flinching!

That's my rule.... if i can't afford to buy it FIVE times over without flinchin.,... then i do NOT have enough MONEY to buy it!!!

Just try that and i guarantee you will start to save! The thing is you have to put your mind in BROKE mode, cos then you start to find ways to get by, and save more money than you would have ever saved before.

Lesson:
Think BROKE and you will save! Use the five time rule and you will curb you spending!

Anyhu try it out and let me know if it works!!! Here's the ohter thing i realised...... if i lived without it before..... i can live without it again! Happy saving!!

Cherie Amour
xcxcx